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West Virginia Workers Comp Info

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WV Workers Comp Information

Find the latest information and laws regarding West Virginia workers compensation insurance.

West Virginia employers enjoy fairly good rates on Workers' Compensation Insurance Coverage. As of 2014 the rates were 26 percent lower than the rest of the country. One main reason for this is because West Virginia uses the National Council on Compensation Insurance (NCCI) as the assigned risk provider.

Previously West Virginia used its owned state fund and then briefly partnered with a private company Brick Street Mutual Insurance Company to be the assigned risk provider. Since 2009 West Virginia has partnered exclusively with the National Council on Compensation Insurance (NCCI) to determine rates on class codes and to administer the state fund. Rates have fallen steadily since this partnership was established.

Even though employers in West Virginia enjoy some of the lowest rates in the country, many businesses still pay too much for their Workers Comp Coverage. We offer several industry specific programs as well as flexible payment options to help employers enjoy even better coverage.

Call today to speak with one of our friendly experts about all the ways we can help you save on your Workers' Compensaiton Insurance 888-611-7467.

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West Virginia Insurance Commissioner

PO Box 50540
1124 Smith St.
Charleston, WV 25305-0540
304-558-3386


What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.


West Virginia Assigned Risk

West Virginia partners with the National Council on Compensation Insurance (NCCI) to administer the assigned risk. NCCI gathers data, analyzes industry trends, and prepares objective insurance rate and loss cost recommendations. West Virginia uses NCCI to determine rates and administer the assigned risk for the state. If your business for any reason cannot find coverage on the open market the assigned risk will offer coverage. Coverage in the assigned risk is normally higher than the open market.


How does workers comp help my business?

Your business benefits from workers' compensation coverage by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee. You can move forward with your business operations knowing that if one of your employees is injured because of something that happens as a normal part of your business operations, your business is not liable for the costs.


How does workers comp help my employee?

Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.


WV Workers Compensation Class Codes

According to a recent report, 2 out of 5 employers are likely misclassified into an NCCI class code with higher rates than the correct code. One of the primary components of pricing workers' compensation insurance is classifying a risk or workplace exposure within the proper NCCI workers compensation class code. Incorrect risk classifications by insurance agents and/or underwriters often results in premium that is higher or lower than it should be. Sometimes payroll is reclassified at the time of audit.





More Programs and Quotes

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

• Contractors

• Home Healthcare

• Janitorial Services

• Transportation

• Hospitality

• And More

Better programs from your commercial insurance brokers.



Get West Virginia Workers Compensation Insurance

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WV Work Comp Info

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We are a nationwide retailer and offer workers compensation quotes from over 35 insurance carriers. Because we have access to so many providers we can find coverage for even the toughest work comp class codes.

Call today at 888-611-7467 to see if we can help you save on your work comp coverage.

Let Workers Compensation Shop.com help your business navigate workers comp insurance in West Virginia.

GET YOUR BEST WORKERS COMP QUOTE TODAY.

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WORKERS COMP RATES

We take the time to make sure your business and employees are classified correctly and then we get to work finding the lowest rates available for your insurance coverage.

•   National workers comp Specialists

•   Licensed throughout the United States

•   Programs for standard and tough class codes

COMPARE QUOTES FROM
MORE THAN 35 CARRIERS

Once we've got your best quotes back from our carriers, we take the time to help you understand your options and the next steps to get covered quickly.

•   Pay As You Go insurance coverage

•   Easy billing and installment plans

•   We've helped over 35,000 business owners


Learn more about workers compensation insurance in West Virginia Work Comp:   West Virginia | WV Programs| WV Rates | WV Forms | WV Info | WV Quotes
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For the most accurate information about workers comp insurance in West Virginia, give one of our workers compensation Specialists a call at 888-611-7467 or start your quote here online.

West Virginia Agency License: 100107624
National Producer Number: 5064979

Contact a West Virginia Workmans Comp Specialist